Boat/Watercraft Insurance in California

Boating is a common and widespread hobby and commercial enterprise in California because of the state’s vast coastline. Owning and operating a boat also means that there are special insurance requirements for vessels that are different from other vehicles. Because of these regulations, it is important to speak with an insurance agent who routinely deals with customers in the Greater Los Angeles, CA area, such as those who work for JT Insurance Services.

In California like most other states, boat insurance is not necessarily required to operate the vessel in the state’s waters. Unlike the requirement for basic liability coverage on motor vehicles, boat owners can choose to assume the risk of any damages that they cause to others or damage that occurs to their own property. However, there are still a few good reasons to purchase a boat insurance policy.

Insurance for boats and watercraft will cover damage to the vessel itself, injuries to people on your boat and others involved in an accident. Personal items on the boat are covered, as are the motor and most other crucial parts. If someone requires medical attention after being injured on your boat this is also covered in most cases. Keep in mind that a basic homeowner’s insurance policy does not extend any kind of coverage to a boat or other water vehicles. Insurance can also be an important way of protecting against lawsuits, as being personally liable to cover someone’s damages after they are injured in a boating accident could be an expense that adds up to thousands of dollars.

If you own a boat or any other kind of water vessel in Los Angeles, CA or somewhere nearby, JT Insurance Services can help. An agent who serves your area has more information available about coverage and rates for your boat.